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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,588 | $32,117+88.6% | $71,089-14.8% | $64,173-5.6% |
| Participation rate | 36.7% | 42.7%-6.0pp | 54.6%-17.9pp | 69.6%-32.8pp |
| Annual return | -7.05% | -5.57%-1.5pp | 650.65%-657.7pp | 7.63%-14.7pp |
| Employer contribution / active EE | $993 | $712+39.4% | $1,088-8.7% | $2,381-58.3% |
| Participant deferral / active EE | $2,887 | $1,263+128.6% | $1,873+54.2% | $3,470-16.8% |
| Admin fee / account holder | $1,936 | $2,759-29.8% | $3,082-37.2% | $4,887-60.4% |